everything that goes with it goes right to the heart of what ticks in america. job creation, availability of money, the regulation of our banks, the securities and exchange commission t. money laundering, sanctions on iran, you name it. most of it, this is an active committee, so i'll be around. right near here but i'll be yielding -- moving down one notch next to senator crapo, and will he do well. having said that, welcome again, mr. secretary. just days after the president's re-election, the f.h.a. released its 2012 actuarial report which revealed that the economic value of the f.h.a. fund has fallen to negative $16 billion. a lot of money. that means the fund's capital reserve ratio, as i understand it, now stands at a negative 1.44%.